The Three Stages Of Money Laundering

OK, many of us have seen movies or TV shows where counterfeiters throw money into large dryers with poker chips or dice or some other items to make the bills appear to have been out in circulation when in fact theyve just been printed. Well, this has nothing to do with money laundering so the three stages of money laundering are NOT:

1) Gentle cycle No bleach

2) Tumble Dry on Low Heat

3) No Starch

And do not confuse stages with steps or transactions. Successful laundering, especially in large dollar amounts, is much more than 1-2-3 done. While some transactions can be very simple, others are complex and take much time and effort in order to avoid detection and that is the ultimate goal to avoid detection. It doesnt do the criminal any good to move and change money if it can be easily traced (and then seized). And it is a game in which the tools and tactics are constantly changing and evolving.

The Financial Action Task Force, FATF for short, is the multinational body that sets the global tone for AML efforts. Formed in 1989, it is based in Paris.The Financial Action Task Force (FATF) has a three-part working definition. Each part basically defined one of the stages:

PLACEMENT introducing the illicit funds into the financial cycle. Even if the funds already were in a bank or brokerage account (as in cases of embezzlement or frauds), it is that first step as illicit funds that we will view as placement. However, the most common example of placement is the drug dealer who needs to get large quantities of smaller currency bills into the banking system.

LAYERING the moving and transferring of the funds in order to disguise the origins and true ownership of the money. This phase can be the most important and the most difficult it truly separates the pros from the amateurs. Here the money can change accounts, form, ownership, country, etc. It can go into and out of trusts and shell companies, it can buy or sell real estate or hard goods, it can move through different jurisdictions anything to confuse or eliminate a paper trail. And finally, there is

INTEGRATION this is when the criminal takes economic advantage of the illicit funds and they appear to have come from legitimate sources. Maybe the drug dealer buys a mansion, or a high end car, or a yacht, or even planes to move drugs and other money (in the case of the planes, they will likely be bought through a front or shell leasing company, who will rent it to a front or shell freight company, so that when a plane is ultimately impounded by law enforcement somewhere, it cannot be traced back to the dealer).

So there they are, the three stages of money laundering: Placement, Layering, Integration.

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Superb Eyes Paves Way for Major Breakthrough in Dark Under Eye Circle Treatment

Some of the most telltale signs of aging crop up in the eye area: dark circles under eyes, puffy eyes, and crow’s feet. One’s eyes are more prone to aging because the skin surrounding them is thin and delicate. And now, the most innovative productto ever hit the beauty market – Superb Eyes – is making waves with not just the industry movers and shakers but also with consumers, thanks to its groundbreaking formula and active complex that dramatically reduce those stubborn rings around the eyes, swelling, and fine lines.

Superb Eyes uses potent yet safe ingredients that do not harm the thin and delicate skin on the eye area. Boosted with specially purified soy and rice peptides and biotechnologically produced yeast protein, Superb Eyes quickly works to improve blood circulation and lift sagging skin. Fine lines are visibly smoothened out, promoting firm, supple, and perked up skin to make way for fresh, bright peepers. It’s also packed with antioxidants to prevent lines, slow down aging, and repair free radical damage.

The latest anti-aging sensation is ideal for both women and men, and has even gotten the thumbs-up from the U.S. government with its Advanced FDA Registered Facility that ensures only the most rigorous and stringent testing to create an excellent product. What’s more, this anti wrinkle cream is not and will never be tested on animals.

Superb Eyes is so confident in its efficacy in battling those giveaway signs of aging that it currently has a 100% guarantee and refund policy – in the event that a consumer is not satisfied with the eye gel treatment’s performance, one should simply notify them via email within 30 days and get his or her money back.

To know more about Superb Eyes, visit www.leighinmohr.com/superbeyes .

Company Name: Leighinmohr Enterprises LTD, Name: Tony McAuley Company Address: Suite #7685, 3422 SW 15 Street, Deerfield Beach, FL 3442, United States.

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Free Persuasive Essay Topics

Persuasive essay, also known as argumentative essay or argument essay, is used to convince the reader of a writers argument(s) relating to a debatable issue. Persuasive writing involves convincing the reader to perform an action, or it may simply consist of an argument(s) convincing the reader of the writers point of view. Persuasive writers employ many techniques to improve their argument and show support for their claim. Another definition is “an essay that
offers and supports an opinion to Shiver. Following are some argumentative essay topics that can be used for persuasive writing practice. More topics can be found at Free Argumentative/Persuasive Essay Topics and More Argumentative/Persuasive Esssay Topics

We are becoming increasingly dependent on computers. They are used in businesses, hospitals, crime detection and even to fly planes. What things will they be used for in future? Is this dependence on computers a good thing or should we be more suspicious of their benefits?

Some businesses now say that no one can smoke cigarettes in any of their offices. Some governments have banned smoking in all public places. Do you agree or disagree? Give reasons.

Should the same laws which prohibit the sale and consumption of heroin be applied to tobacco?

Human beings do not need to eat meat in order to maintain good health because they can get all their food needs from meatless products and meatless substances. A vegetarian diet is as healthy as a diet containing meat. Argue for or against the opinion above.

Forests are the lungs of the earth. Destruction of the world’s forests amounts to death of the world we currently know. To what extent do you agree or disagree?

Are our zoos cruel to wild animals? Discuss.

Zoos are sometimes seen as necessary but not poor alternatives to a natural environment. Discuss some of the arguments for and/or against keeping animals in zoos.

Education is the single most important factor in the development of a country. Do you agree?

The idea of going overseas for university study is an exciting prospect for many people. But while it may offer some advantages, it is probably better to stay home because of the difficulties a student inevitably encounters living and studying in a different culture. To what extent do you agree or disagree this statement? Give reasons for your answer.

Should research on cloning be discontinued?

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Lessons from the Jamilette Hallac Case How to Go About Divorce

Not all spousal relationships end happily ever after. Even the first individuals to find out the significance marital union could attest to that. There are husbands and wives, nevertheless, who prove that they can make the best out of this kind of union. Then there are those who can’t– and for them, divorce is the ideal choice, rather than staying in a marital relationship of regret, distress, or cynicism.

Divorce proceedings are not often appealing either. Such is factual for the Jamilette Hallac case; the back-and-forth discussions on spousal support and asset division was arguably fairly difficult for both parties, specifically because Jamilette turned down several offers from her spouse, asserting that he was not forthcoming about all his assets. This did her harm as opposed to good since it was the court that later chose what she would acquire– which became less than her spouse’s final offer. Hence, for those who will experience divorce, it pays to be ready prior to the proceedings.

Get the whole monetary picture

Sleuthing skills will be put to good use here as it’s pretty vital to comprehend a spousal relationship’s entire economic circumstance– and prior to starting the divorce procedure is the best time to check finances since the marital relationship, on paper, at least, is still whole. Keep in mind your partner’s annual revenue and common costs. This knowledge will serve to help when determining a reasonable amount for alimony and child support.

Have an alternative plan

In divorce, assume nothing. Do not believe that you will get to own your house because if not, then you’ll need to scramble to look for a place to live in. No one is in need of this added tension. For this reason, begin the hunt for an ideal abode so no matter what the turn out may be, you are equipped. This is one less prickle in your side.

Work with a lawyer with experience

Rather than an attorney on his first divorce case, a skilled one is familiar with the ins and outs of the divorce procedure. More importantly, such a lawyer is savvy at arrangement, which is skill that can ensure favorable outcomes, as opposed to awful ones.

Even though divorce is an unlucky scenario, you can make it a lighter concern to hold by applying the tips above. You may likewise conduct additional browsing on the Jamilette Hallac case to learn about divorce proceedings better. For recommendations on what you should do prior to filing for divorce, browse through lawguru.com/articles/law/familiy-law-marriage-divorce-custody/read-these-5-tips-before-filing-for-divorce

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MILSTEIN ADELMAN IS PASSIONATELY COMMITTED TO LAW

Milstein Adelman is a law firm which is faithful to law. All the lawyers running under Milstein Adelman are providing best of the services to all their patrons in the area of construction defects, class action litigation, products liability litigation, personal injury and wrongful death etc.

The lawyers make sure that they give enough time to their clients and understand there need and then after covering all the aspect as per the client need they go ahead and file the case. The lawyers ensure that the services which they are providing are as per the need of the client and explain the step by step process to the client.

The law firm represents individuals and companies whose insurance claims have been wrongfully denied by their insurer. The firm handles cases throughout California and the United States involving homeowners insurance, general liability insurance, life and disability insurance, and all other types of first-party and third-party claims.

The firm is a well known name of the household in California because of their timely services, quick response, point to point explanation to their client and of course the desired outcome from the case results. The lawyers are also knows by their name not only by firm name because they all stand individually and then together make the Milstein Adelman. In light of success, the firm is uniquely positioned with resources to fight even the most well financed defendants. The firm takes great pride in its successes and expertise. The attorneys have drafted legislation, testified before the state legislature and frequently are featured speakers on the area of construction defect law at seminars. The firm handles construction defect cases throughout the states of California and Arizona and we are routinely partnering with other firms in other states to handle large scale construction defect litigation in those jurisdictions.

The lawyers are not only the regular name in the fraternity of the law but they are also known by people because they regularly get featured in the local newspaper of California, Arizona etc. they are also part of the law school where they go and deliver the speeches, lectures etc. The law firm is well stock to undertake any kind of the cases, even when they are not strong enough with the evidences, witnesses and paper work. The multi lawyers make sure that they are only committed to prevail the truth and help their clients at every possible situation.

Milstein Adelman is one of the nation’s premier Plaintiffs’ firms, advocating for the rights of individuals who have been wronged or injured since 1994. The reputation for fierce advocacy makes us the firm of choice when litigating the complex legal matters and critical disputes that most significantly affect our clients and their rights. The proven creativity in analyzing and proposing solutions to complex legal challenges is at the core of our legal strategy. Happy clients are our motto and commitment to law is our practice. For more details visit:

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Mobile App Developers are the back bone of any Product in this field

In today’s mounting world every home will be having smart phones, and it is like a cutting a small slice of fruit if you have connected your phone to internet to download the apps for your phone. So Mobile App development as become the gold mine in the market for the Mobile App Developers. If you wish to see the Success for your product than it’s very much essential is Mobile App development that increases exposure as well as sales and increase the Business in Market.

If you are running any Company or an organization of your own mobile products and looking for the great exposure, benefit and level in the market. Than the foremost thing you need to groom is by hiring Mobile app developers that can make your streets smoothly by developing the most users friendly, good featured and innovative, with classic graphics and easy click Applications.ns.

Today’s world won’t have any age limit or boundary for the technology. So everyone is aware of technology and they have involved themselves in present fast moving world. So user might be of different generation so it’s very much important that you make the app very simple and user friendly so that everyone can adjust and utilize the features easily.

One more things that need to be concentrated by Mobile app development is the app should get installed and accessed with all the mobile devices seamless for any OS platform, this should this should be the key point to shine in a market.

The field of Mobility is something like take and gives option, Any Mobile enterprise or organization, companies couldn’t shine in the market without Applications, and So the Experienced Mobile app Development is the Key to see the progress in the Market.

As per the Client requirement and to overcome the challenges in the market Mobile app developers provides you end to end services that starts from the tool bar, new innovative ideas, designs, convenient, graphical interface, excellent futures will be designed in a single app, that can play for any OS platforms and any Multi devices like ipad, smart phones, Android or Windows with No deny.

As you all know mobile and Application is a big ocean, you can see many sub categories that need to be taken care, any product or app before it enter to market. Numerous Services need to play in this field for better Success. And as per the Client requirement dedicated team work for the projects like

Cross Platform Application Development
Enterprise Mobility Solution
Mobile Application testing
Open Source Development
Web Application Development
UX/UI services

All the services provided as per your need and to meet the client expectation to fulfill the market requirements.

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How To Audit-proof Charitable Donations For Income Tax Season

The IRS means business when it comes to properly documenting donations given to charity. Because of a change in the tax law you must now obtain written documentation for ALL cash donations. Prior to the tax law change if your cash donation was less than $250, you weren’t required to have it substantiated with a receipt from the charity. But now you do. This means all tithes to your church too, that’s if of course, you’re going to claim it as an itemized deduction.

Here’s a suggestion to ensure all of your t’s are crossed and your i’s are dotted in case of an audit. Always maintain good records and do it now instead of procrastinating till the tax deadline is staring you in the face. When you give to your local charity make sure you get a receipt. It must show the charity’s name, the date you contributed and the amount you donated.

Here’s something else you might not be aware of, if you use a credit card to make your charitable donation in 2008, you can claim a deduction even if you don’t pay it off until 2009. Sweet huh?

What if your donation is of the non-cash variety? Well, if you claim a deduction and it’s less than $250 you must get a receipt from the charity. Again, the receipt must show who, when and the amount you donated. If your contribution is over $250 but less than $500 don’t walk away without a contemporaneous written acknowledgment from the charity. In other words, GET A DETAILED RECEIPT!! For taxpayers who can give more than $500 but not more than $5000 you must follow the same rules, but you must file Form 8283, Noncash Charitable Contributions.

And for you blessed taxpayers who give more than $5000 the same rule applies but you must obtain a qualified appraisal. Contributions larger than $500,000 require you to attach a copy of an appraisal to your return.

If you’ll follow the practice of obtaining detailed receipts and keep good records every time you give to a charity, you’ll be able to calmly stand up to any inquiry by the Internal Revenue Service.

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How to Keep Carpet Cleaning Process Work Always for Home Molds

Knowing how to kill and remove mold* entirely from your carpet without a full replacement is a way for you to save money while also protecting your health. Because mold is dangerous and can be potentially fatal, it is imperative to rid the mold from your home as soon as it is spotted.

Mold is extremely hazardous within the home, especially if your have had mold growing in your walls or even within your carpet for years. Molds can be really tough to deal with for any homeowner. It can surely affect not only the cleanliness and look of your carpet but it can also be a source of potential health problems that can affect you or the members of your household.

Removing molds is a priority that homeowners should pay close attention to. You must ensure that your carpet is mold-free in order to preserve its appearance and more importantly its hygiene. If you don’t really know what to do in order to remove the molds on your carpet, read the options below that you can utilize to get this done. Finding the source of any mold spots you locate in your home is a way for you to begin ridding it from the carpet itself. Once you have located mold in excess, wipe it away or consider utilizing a natural carpet cleaning product to rid the mold from beneath the carpet’s surface.

Once you are ready to begin cleaning underneath any carpet you have within your home, you can do so by pulling the carpet back and giving yourself an additional 5 feet of space to work with before you begin to clean. Be sure to use natural cleaning products designed for mold and cleaning excess spores. Spraying and wiping the floor, carpet bottom itself as well as the walls can help to rid the mold spores, which will keep them from continuing to spread.

Using a steam cleaner is ideal when you need to ensure that all of the mold spores in any room throughout your house have been eradicated. When you use steam throughout the cleaning process with germs, bacteria and even mold, it helps to breakdown the properties of the materials that can cause harm or damage.

Learning how to kill and remove mold from the carpet throughout your home can help to improve any respiratory symptoms or ailments you or those in your household may have been experiencing due to the mold itself. The more resources you put to use when cleaning the mold from your home, the easier it is to ensure you keep your house mold-free at all times.

Make sure safety and health precautions are taken by cleanup professionals and occupants. Mold-contaminated buildings can be associated with a number of health problems. Anyone involved in the mold remediation process must be protected from exposure through a combination of practices and controls.

Be guided by professional Auckland Carpet Cleaning for reliable assistance

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Lee S. Mccullough The Best Asset Protection Attorney In Provo, Utah Usa

Lee S. McCullough, III received a Master of Accountancy degree from Brigham Young University and a Juris Doctorate degree from the J. Reuben Clark Law School at Brigham Young University, where he graduated magna cum laude. In addition to his private law practice, Lee works as an adjunct professor at the law school at Brigham Young University and he is president-elect of the Utah Valley Estate Planning Council.
Lee represents the owners of many top companies including Skullcandy, Logoworks, Omniture, Apex Alarm, Raser Technologies, attask.com, Bluehost, vSpring Capital, Cirque Lodge, Wilson Audio, and more.

He has published many articles in trade association journals. He speaks regularly on tax and estate planning subjects to groups such as the American Institute of

Certified Public Accountants, the Utah State Bar, and the Financial Planning Association.
Mission Statement:
“A good name is rather to be chosen than great riches, and loving favour rather than silver and gold.” (Proverbs 22:1)

What You Can Expect From him:
He will give you a free initial consultation with complete confidentiality.
He will quote you a comprehensive fixed feewith no surprises.
He will give you the latest, most innovative and effective strategies.
He will provide legal services that are honest, ethical, and reliable.
He will give you personalized service I wont delegate your case to others.
He will implement your strategy in days, not months!
He will provide ongoing support for any plan that I help create.

His Clients Include . . .
. . . several NFL and NBA superstars, as well as the owners of many top companies including Skullcandy, Logoworks, Omniture, Apex Alarm, Raser Technologies,

atTask.com, Bluehost, vSpring Capital, Cirque Lodge, Wilson Audio, Sorenson Capital, and VitalSmarts.

Asset Protection Strategies

They provide ethical, legal, and effective asset protection planning for clients who are looking for greater peace of mind by protecting their assets from future liabilities. All fifty states and the federal government have passed many laws that support asset protection planning if it is done in advance of a problem. On the other hand, all fifty states and the federal government have also passed fraudulent transfer laws to limit your ability to protect assets from creditors.

Asset protection planning requires a working knowledge of fraudulent transfer law, civil procedure, property law, corporate law, partnership and LLC law, trust law, income tax law, estate tax law, and more, across many different jurisdictions. These laws constantly change as new statutes are passed and as new court cases are published. Because every client’s situation is different, every case requires a fresh analysis, updated research, and highly customized documents. There is no asset protection plan or product that
works for every situation.

Lee S. McCullough, III, PC
5255 N. Edgewood Dr., Suite 100
Provo, Utah 84604

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Law Of Attraction – How Long Will It Take To Manifest Your Desire

There is no hard and fast rule as to the time it will take for abundance to manifest into your life because this depends on your alignment with the universe and the Law of Attraction.

It took my car 2 months to manifest since I started visualizing it in my mind but you think I was disappointed. I was ecstatic because it was 4 months earlier than expected. I just provided the desire, the thought, and the feelings then released it to the universe and it lead me to opportunities and circumstances so that I can manifest my desire into my reality. I guess the reason for super charging the manifestation of my car was because I believed that I already have it. Can you imagine me buying accessories for the car two weeks before I had it? My daughter thought it outrageous at that time but it worked. I now know what the Law of Attraction meant when it say that ‘if you get yourself onto the universal frequency of what you want, then what you want will appear.’

The Law of Attraction states that ‘size is nothing to the universe’ therefore there is no request too large for it to be manifested into our life. Manifesting wealth depends on your ability to visualize and believe that you can achieve it. The only reason why many people fall short of their desires to manifest their dreams into their reality is their concept that some of their request maybe too big. But the Law of Attraction states that if you provide the feeling of having it now it will respond whatever it is.

But if you ask me how long it will take for your desire to manifest, I’d say I have no idea because there is no time line for an individuals’ manifestation using the Law of Attraction. There are people who have easier time manifesting small things that’s why they always recommend that you start with small requests so that when you see the results with your own eyes you can get your mind to accept it and this will align you to bigger manifestations. Build your trust in the Law of Attraction and you won’t even have to ask how long you will manifest your desires. Our inner thoughts run continually that’s why it should be in alignment with our mind so that it will not waver in its belief for negative thoughts and deliver to us what we truly desire.

Learn more about Mastering the Law of Attraction by visiting .

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